Home/Compare/OmniCard vs Cashbook
Comparison
OmniCard vs Cashbook: petty cash and expense management compared
Both OmniCard and Cashbook let employees pay business expenses by UPI from company funds instead of cash boxes and personal money. Cashbook focuses on UPI wallets for employees, held with a partner bank, with spend limits and sync to Zoho Books and Tally. OmniCard is itself the issuer: an RBI-authorised PPI issuer and direct NPCI issuer with its own UPI handle (@omni) and RuPay BIN, and it checks policy before each payment, on UPI and cards alike.
At a glance
| OmniCard | Cashbook | |
|---|---|---|
| What it is | Expense management with last-mile visibility on UPI and RuPay; the financial operating system for enterprises | “UPI-powered digital wallets for employees”, with spend limits and controls (cashbook.in) |
| Who issues | OmniCard itself: RBI-authorised PPI issuer and direct NPCI issuer for RuPay (own BIN), UPI (own @omni handle) and FASTag, with no sponsor bank | “NPCI-certified, RBI-regulated partner bank custody” (cashbook.in) |
| Employee spend by UPI | Yes: company UPI IDs on OmniCard's own UPI handle (@omni), under the same rules as cards | Yes: UPI wallets for employees, who can pay individuals and merchants on UPI (cashbook.in) |
| Cards | RuPay corporate prepaid cards, physical and virtual, on the same rules as UPI | Cards aren't listed on its site (cashbook.in) |
| When policy is checked | Before payment, at authorisation: limits by employee, department, cost centre, category, merchant, location and time | Daily, weekly or beneficiary spend limits, with “post-payment approvals” (cashbook.in) |
| FASTag and fleet | FASTag issued by OmniCard itself (NPCI certified, IHMCL approved), with UPI AutoPay top-ups; iFleet Pay for fuel, tolls and driver expenses | FASTag issuance isn't listed on its site; it lists fleet operators among the industries it serves (cashbook.in) |
| Bills, reimbursements, benefits | Bharat Connect (BBPS) bills for every branch, Reimburse360 and the Flexi Benefits Basket | Not listed on its site (cashbook.in) |
| Accounting and ERP | Tally, SAP, Oracle (NetSuite, Fusion), Zoho, Microsoft Dynamics, NWAY, KTT and APIs | Sync to Zoho Books and Tally; Tally, Zoho Books, SAP and API/webhook integrations “available at additional cost” (pricing) |
| Pricing (businesses) | Two models: a fixed fee covering all wallets, or a flexible usage-based plan | A fee per wallet, billed annually, with discounts for bulk wallets and longer subscriptions (pricing) |
| Wallet load and reload charges | None for business wallets | Not listed on its pricing page (pricing) |
| Time to go live | Same day for businesses | “Issue & activate UPI wallet in under an hour”; book a demo or download the app to begin (cashbook.in) |
| Scale (as stated) | 1,000+ businesses; ₹50B+ processed; 2.2M+ cards issued | “3,500+ businesses” (cashbook.in) |
Choose OmniCard if
- You want UPI and RuPay cards on the same rules, from one issuer with no partner bank in between.
- Policy should be checked before the money moves: by employee, category, merchant, location and time.
- You run multiple entities or a larger ERP (SAP, Oracle, Microsoft Dynamics).
- You need more than petty cash on one platform: FASTag for fleets, BBPS bills for every branch, reimbursements and benefits.
Choose Cashbook if
- You want a simple UPI wallet for site and field petty cash.
- Zoho Books or Tally is all the integration you need.
Customer results with OmniCard
- The Belgian Waffle Co. (250 stores): 50% fewer man-hours on reconciliation.
- Berar Finance (NBFC, 7 states): up to 20% saved on monthly spend; reimbursements 57% faster.
- ISKCON Bengaluru: reimbursements from 14 days to 3.
See OmniCard petty cash management → · Book a demo →
Frequently asked questions
Is OmniCard an alternative to Cashbook?
Yes, for companies that want employee UPI spend and RuPay cards under one set of rules, checked before each payment, and more than petty cash on the same platform: FASTag, BBPS bills, reimbursements and benefits.
Who issues OmniCard's UPI IDs and cards?
OmniCard (Eroute Technologies Pvt. Ltd.) itself, as an RBI-authorised PPI issuer and a direct NPCI issuer. UPI IDs run on OmniCard's own @omni handle and RuPay cards on its own BIN. No partner bank sits in between.
How is OmniCard priced for businesses?
Two ways: a fixed fee that covers all your wallets, with setup included, or a flexible plan that grows with usage. There are no charges for loading or reloading business wallets.
Do business accounts pay a dormancy or inactivity fee?
No. Under RBI rules, a business account with no transactions for a year is made inactive after we notify you; business accounts aren't charged for this.
How fast can a business start using OmniCard?
The same day.
Does OmniCard offer credit?
No. OmniCard issues prepaid instruments: the company loads funds, and employees spend within the limits it sets.
Sources: Cashbook facts from cashbook.in and its pricing page, checked 14 Oct 2026. OmniCard facts from OmniCard's published fact sheet. Products change; confirm details with each provider before you decide.